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Veteran Member
Member Since Nov 2010
Location: San Diego, CA
Posts: 654
14 47 hugs
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Dec 10, 2010 at 10:10 PM
#1
I'm reposting this here because I originally posted it in the wrong forum
Hey all, I have major financial issues, but that's beside the point. My question is this: Most medical insurances say that they pay for around 12 mental health outpatient visits a year. Are they talking about pdocs or Ts or both? Also are most of you who see Ts paying out of pocket? I'm on psych meds but in order for me to ever get better, I know I need f2f talk-therapy with a T, possibly CBT. I'm just trying to figure out what I can expect as far as insurance goes. Right now I still have medical insurance through my job, not sure how much longer I will have my job. Thanks all. Z 
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Member
Member Since Nov 2010
Posts: 61
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Dec 10, 2010 at 11:27 PM
#2
I hear you. I am as poor as a starving artist. That being said....
1) I believe your T and p-doc can get more visits when they tell your insurance company that you are "mentally ill" with certain popular diagnostic labels. 2) If this is not true with your insurance, have you considered a local county mental health clinic. Sliding scale and cheap. And actually, although the providers are "overworked" they are usually very good because they see a variety of mental health problems. Sliding scale is the way to go. Good luck. |
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Legendary
Member Since Jan 2007
Location: U.S.
Posts: 10,383
17 106 hugs
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Dec 11, 2010 at 12:59 AM
#3
Quote:
My insurance covers my PNP visits, but I pay out of pocket for my T. Good luck with your job--hope it endures. __________________ "Therapists are experts at developing therapeutic relationships." |
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Veteran Member
Member Since Nov 2010
Location: San Diego, CA
Posts: 654
14 47 hugs
given
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Dec 11, 2010 at 03:42 AM
#4
thanks for the comments guys. I know my insurance will cover pdoc for a while, and even if doesn't cover any T sessions, I think EAP through work will be able to help without at least for a while.
Z |
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Moderator
Community Support Team 
Member Since Mar 2006
Location: Ontario, Canada
Posts: 11,529
18 79 hugs
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Dec 11, 2010 at 10:40 AM
#5
My last job only covered up to $800 / year for psychologist visists and at $160 / hr that's not much. I pay out of pocket for T. I'm hoping my insurance at my new job will be better. Pdoc is covered by public health care in Canada as would any CBT groups that were done through a hospital. Private CBT with a private T you'd have to pay out of pocket. I know through my new job, I'll get an EAP and I'll be able to acccess some time limited services through that.
--splitimage __________________  "I danced in the morning when the world was begun. I danced in the moon and the stars and the sun". From my favourite hymn. "If you see the wonder in a fairy tale, you can take the future even if you fail." Abba 
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 Mustkeepjob32
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This is an old thread. You probably should not post your reply to it, as the original poster is unlikely to see it.|
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My Support Forums is the online community that was originally begun as the Psych Central Forums in 2001. It now runs as an independent self-help support group community for mental health, personality, and psychological issues and is overseen by a group of dedicated, caring volunteers from around the world.
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